Mortgage & Rent Cover
Mortgage and rent cover is designed to help support your housing-related financial commitments if illness or injury temporarily prevents you from working.
Broker vs insurer
what’s the real difference?
Getting insured directly through a major insurer means your options are limited to a single provider — whether or not it’s the best fit for you
Access to more than one insurer
We work with a selected range of trusted providers, allowing us to compare options and find what genuinely suits your situation.
Advice tailored to your life
Your cover is structured around your income, responsibilities, and future plans — not a standard package.
Cover designed to work at claim time
The way your policy is structured matters. We focus on getting the details right so your protection performs when it’s needed.
Ongoing support as life changes
Your circumstances evolve over time. We regularly review your cover to ensure it continues to reflect your situation.
Support when you need to make a claim
If something happens, we guide you through the claims process and help ensure everything is handled properly from start to finish.
A long-term relationship, not a one-off transaction
We’re here to support you over time — not just when your policy is first set up.
How long could your household realistically manage housing costs without income?
Mortgage repayments and rent don’t stop just because life changes unexpectedly.
- Without mortgage & rent cover
Income is interrupted
Illness or injury unexpectedly affects your ability to work.
Housing costs continue immediately
Mortgage repayments or rent still need to be paid every week or month.
Savings begin carrying the load
Savings may start getting used faster than expected.
Financial pressure builds quickly
Lifestyle adjustments and difficult financial decisions may become necessary.
Long-term goals may be disrupted
Financial stability and future plans may become harder to maintain.
- With mortgage & rent cover
Financial support becomes available
Monthly support may help cover mortgage repayments or rent.
Housing costs remain more manageable
Financial pressure is reduced during recovery periods.
Savings are less impacted
There is less reliance on emergency savings.
Breathing space becomes available
There is more time to focus on recovery without immediate financial panic.
Greater financial stability is maintained
Long-term goals and household stability remain more protected.
Frequently Asked Questions
Honest answers to help you understand life insurance before you make any decisions.
Will it cover my full mortgage/rent or only a set monthly limit?
Cover is usually based on a set monthly amount you choose, up to policy limits. It should ideally match your actual housing costs.
What happens if interest rates change — is the cover still enough?
Your cover does not automatically adjust, so it’s important to review your policy regularly to ensure it remains sufficient.
Can I claim if I’m only partially disabled or working limited hours?
Yes—many modern policies provide partial payouts for less severe diagnoses.
Does it pay directly to me or to the bank/landlord?
It pays directly to you and you can do with the income as you see fit giving flexibility on how you manage payments.
How long does the benefit last — how many months or until recovery?
You can choose benefit periods such as 2 years, 5 years, or to age 65 or 70 depending on your needs and budget or until recovery
Protecting your income often means protecting your home
The right protection can help reduce financial pressure around mortgage repayments or rent during difficult periods.
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